Renters Insurance

Take a good look around your home. If everything you own was destroyed by natural disaster, stolen, or vandalized, would you be able to afford to replace it all? Protect yourself and your valuables with renters insurance.

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805-925-8607

Protect Yourself & Your Belongings

If you are currently renting a home or apartment, you should strongly consider renters insurance. No one likes to think about the possibility of a fire or a burglary, but these are real possibilities worth insuring against. Here are a few things you should know about renters insurance:

  • Renters insurance protects your valuables from property losses, including flood, fire, theft, and vandalism.
  • Renters insurance provides liability protection to protect you from lawsuits resulting from someone injuring themselves while visiting your home. Potential liability risks include slips and falls, accidents at parties, and pet attacks.
  • The amount you receive if your belongings are damaged or stolen depends upon whether your policy is for “actual cash value” or “replacement cost.”
  • The best way to determine how much renters insurance coverage to buy is to conduct a home inventory. Check out www.knowyourstuff.org for free software you can use to create your own home inventory.
  • Renters insurance is very affordable. In addition, discounts are usually available to those who have multiple policies with the same company and for those with safety features, including smoke detectors, dead bolt door locks, and fire extinguishers.

Actual Cash Value vs. Replacement Cost

Actual Cash Value

Actual Cash Value coverage pays you what your property was worth at the time it was damaged or stolen. This basic coverage payout is determined by the cost to replace, minus depreciation

Replacement Cost

Replacement Cost coverage pays you the actual replacement value of the item with no deduction for depreciation. Although replacement cost coverage comes at an additional premium, it's usually worth the relatively small increase in cost.

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805-925-8607